Best Financial Advisors in Dunedin
Every financial advisor in Dunedin we could assess is listed here, ranked on public rating quality, review volume and how recent the reviews are. No business can pay for a place in these rankings. Last updated 21 September 2026. How we rank →
Before you hire
Whether you want investment advice, financial planning or wealth management, financial advisers in NZ must be licensed under the Financial Markets Conduct Act. Check their licence on the Financial Service Providers Register, ask how they are paid (fee-for-service or commission), and confirm they are required to act in your best interest, not just recommend suitable products.
Top 5 Financial Advisors in Dunedin
The 5 highest-scoring businesses from 5 analysed. Ranked on independent signals only. Scroll for our take on each, plus what to ask before you choose.
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1
Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection
↑ 5★ 5.0 14 reviews Top5 Score 1355★ 14Safe-n-Sure covers health, life, income protection, and mortgage protection insurance, with adviser Svetlana working closely with clients to find cover suited to their family situation. When claims run into trouble with insurers, she stays involved for the duration, advocating on the client's behalf until the issue is resolved.
location_on 218 George Street, Dunedin
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2
Craigs Investment Partners Dunedin
↑ 2★ 4.7 14 reviews Top5 Score 134 -35★ 13 1★ 1Craigs Investment Partners covers KiwiSaver management, broader investment portfolios, and ongoing strategy reviews, with advisers like Mike tailoring risk tolerance conversations to each client before implementing anything. Regular plain-language updates keep clients across how their money is working, and families often bring in parents and siblings once they see results for themselves.
location_on Level 4/229 Moray Place, Central Dunedin, Dunedin
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3
NZ Funds Private Wealth Dunedin
↑ 5★ 5.0 5 reviews Top5 Score 1235★ 5NZ Funds Private Wealth builds retirement planning relationships that span decades, with Peter and Matt working together to ensure clients are looked after as they transition out of work. Accounting firms refer their own clients to this team, which points to a level of trust that goes beyond individual transactions.
location_on Bracken Court Level 2/480 Moray Place, Central Dunedin, Dunedin
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4
Wealthify Limited
★ 5.0 4 reviews Top5 Score 1205★ 4We generate summaries once a business has enough reviews for a reliable sample.
location_on 8 Manor Place, Central Dunedin, Dunedin
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5
Sally Bisset Insurance SHARE
↑ 4★ 5.0 3 reviews Top5 Score 1175★ 3We generate summaries once a business has enough reviews for a reliable sample.
location_on Level 6/265 Princes Street John Wickliffe House, Dunedin
Before you choose a financial advisor in Dunedin
Drawn from 105 customer reviews collected for this page. The first answer is what it costs.
What does a financial advisor typically cost in New Zealand? expand_more
Fee structures in New Zealand fall into three main types: hourly rates, flat fees, and commission. Hourly rates run from $150 to $400, while a full financial plan often costs between $1,500 and $5,000.
Mortgage and insurance advisors are often paid by commission from lenders or insurers, meaning no direct cost to you. Under the Financial Markets Conduct Act, all commissions must be disclosed before advice is given.
Does a financial advisor need to be licensed in New Zealand? expand_more
Since March 2023, anyone providing financial advice to retail clients for payment must operate under a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority. Individual advisers do not always hold their own licence; many operate as authorised advisers under a larger FAP licence holder.
You can verify any adviser or their employer on the Financial Service Providers Register at the Companies Office website, which is free and publicly searchable. If an adviser cannot give you their FAP licence details or does not appear on that register, they are not legally permitted to advise you.
How do I know if the advice is tailored to my situation, or just a product recommendation? expand_more
Tailored advice shows up in the detail: reviewers noted advisors who explained KiwiSaver options in terms specific to the client's situation, structured home loans using both offset and fixed rates to suit individual needs, and mapped out clear action steps for first-home buyers. Under New Zealand disclosure rules, an adviser recommending a specific product must tell you how they are paid in relation to that product, which helps you judge whether the recommendation suits you or suits their commission. Ask early on whether the adviser will present multiple options or a single solution, and whether they will document the reasoning behind their recommendation.
What are the warning signs of a financial advisor you shouldn't use? expand_more
- –One review described an initial phone enquiry met with a negative attitude and unprofessional conduct, which is a clear signal to walk away before committing.
- –An adviser who cannot explain how they are paid, or who is vague about commissions, is not meeting their legal disclosure obligations.
- –Be cautious if an adviser presents only one product or lender without explaining why alternatives were ruled out.
- –Poor responsiveness after the first meeting is a red flag; several reviews praised advisers specifically for prompt replies, suggesting this is not guaranteed across the board.
- –An adviser who does not ask detailed questions about your income, goals, risk tolerance, or timeline before making a recommendation is likely not tailoring advice to your situation.
What should you ask before hiring a financial advisor? expand_more
- –Ask how they are paid: fee, commission, or a combination, and request the specific amounts or rates in writing before you agree to anything.
- –Ask which lenders, insurers, or product providers they have access to, since a limited panel may mean you miss better options available elsewhere.
- –Ask whether they will present multiple options or a single recommendation, and how they document the reasoning behind whichever path they suggest.
- –Ask how often they will contact you after the initial engagement and what their process is if your circumstances change, such as a job loss or change in income.
- –Ask for their FAP licence number and verify it on the Financial Service Providers Register before signing anything.
About this ranking
What the 5 financial advisors listed above hold, at the 21 September 2026 check.
We first assessed financial advisors in Dunedin in March 2026 and have rechecked the ranking four times since. Two different businesses have held first place; Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection has held it since September 2026. Across the 10 locations we assess financial advisors in, the 84 businesses listed have a median rating of 5.0, and one-star reviews are 1.2% of their total.
What has changed since March 2026? expand_more
- Sep 2026
New first place: Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection. Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection entered the top 5, up from #6. NZ Funds Private Wealth Dunedin returned to the top 5, up from #8. Wealthify Limited entered the top 5 at #4. Sally Bisset Insurance SHARE returned to the top 5, up from #9.
- Aug 2026
- Jun 2026
Scoring method updated. NZ Funds Private Wealth Dunedin left the top 5, down to #8. Sally Bisset Insurance SHARE left the top 5, down to #9. Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection entered the list at #6.
- Apr 2026
Scoring method updated. Craigs Investment Partners Dunedin entered the top 5, up from #10. NZ Funds Private Wealth Dunedin entered the top 5, up from #6. Sally Bisset Insurance SHARE entered the top 5, up from #7.
- Mar 2026
First check.
How are the top financial advisors in Dunedin chosen? expand_more
We build this page from Google Maps results for financial advisors in Dunedin. Each one is scored on its public rating and review record. Businesses outside the area, or whose reviews describe a different line of work, are left out, and a business whose main Google category is a different trade is held back until a person has checked what it does. A business whose website no longer resolves and that has had no Google review for six months is treated as dormant and left off the page until either changes. Every category and city is rechecked on a rolling cycle, about every two to three months. A location with a subscribing business is rechecked every month, and the whole page updates with it. See how we rank for the full method.
What does a business subscription offer? expand_more
No business can pay for a place in these rankings. Claiming and verifying a listing is free. It adds a phone number to the card and a small trust bonus (+3 points) to its score, for confirming a real operator stands behind the listing. The owner also gets a dashboard showing how their score is made up. A paid subscription provides an enhanced card with more ways to reach the business, including a website link and a detailed profile page. It also refreshes this page monthly and adds ranking history and competitor analysis to the owner's dashboard. The subscription adds nothing to the score. Claim your listing or see what a subscription includes.
Why isn't my business listed? expand_more
We build this page from Google Maps results for financial advisors in Dunedin. The usual reasons for missing out are a Google Business category that does not match, too few reviews to score near the top, or an address outside the area we cover. Sometimes we miss a business that should be here. Check where you rank first. If you are not there and think you should be, get in touch.